Bad Credit Car Loans in Philadelphia, PA


Highline Automotive in Philadelphia, PA Offers Bad Credit Car Loans to Everyone!

If you're looking to buy a car and need a bad credit car loan or a no credit car loan, you've come to the right place. Highline Automotive proudly serves customers in the Philadelphia area, including Bucks, Montgomery, Delaware, and Chester counties. Don't let your poor credit score stop you from getting the car you need. No matter what your credit, we're ready to work with you!

It can be frustrating to go to a car dealership and face being turned down because of bad credit, which we know can often be the result of circumstances beyond your control. In our finance department, you'll find a team of experts who are ready to answer all of your financing questions and get you a credit approval in under sixty seconds. By working with a number of the region's biggest auto loan lenders, our team is able to negotiate the most competitive rate possible for you.


If you have a less than perfect credit score, Highline Automotive is ready to offer you financing when other dealerships won't. It doesn't matter if you've had to deal with:

  • Missed or late payments
  • Loan defaults
  • Repossessions
  • Foreclosure
  • Bankruptcy
  • Divorce

If you've faced any of these issues in the past, come to Highline Automotive and purchase the vehicle you need to get on with your life. Your credit score won't stop our finance team from securing you an auto loan and finding you a car, truck, or SUV that will fit your budget and your needs. We're here to give you a second chance when others won't.


If you have bad credit, taking out a loan for a new vehicle can be a great first step towards rebuilding your credit. Making your loan payments on time every month will help contribute to a healthy credit score. You should start to see improvement in your score after about a year of on-time payments. That good credit can help put you on better financial footing in the future.

An auto loan is a type of installment loan, which means you will make a monthly payment on the loan over a predetermined number of months. This is different from credit card debt, which is a form revolving credit. Even if you've struggled with consumer debt, having a mix of debt can be beneficial to your credit score. If you have questions about how an auto loan can help your credit over time, our financial team is ready to answer your questions.


Having no credit is slightly different from having bad credit. Often, lenders are hesitant to provide loans to someone who doesn't have an established record of making payments on time, even if that's because they've never had a loan before! Having a short credit history is referred to as having a "thin file." You might fall into this category if you're just starting out on your own, or because you've always paid cash in the past. At Highline Automotive, that's no problem. We love helping people with no credit get into their dream car.

If you haven't had the opportunity to establish your credit, buying a car with us can be a great place to start. Once you have an auto loan, just make your payments on time in order to establish a credit history. The length of your credit history is one factor that contributes to a good credit score, so starting to build your credit history now can be beneficial to you down the road.


Highline Automotive has the largest selection of pre-owned cars, trucks, and SUVs in the Philadelphia region, so you're certain to find a vehicle that fits your needs and your budget! Our finance team is ready and waiting to walk you through obtaining a loan and demystify the process. They'll help you feel confident that you're making a smart financial choice, and that your monthly loan payment will fit your budget.


If you don't have the money for a down payment, there are still options available for you. Some loans only require a minimal, or even zero, down payment, and it may be enough just to have proof of income. However, the larger a down payment you can afford, the smaller your monthly payments will be, and the less you'll pay over time. Talk to our finance team to decide what option is best for you.


Here are a few simple steps you can follow if you're ready to purchase your next vehicle:

  • Take a look at your credit score. Make sure you know what it is, and that there isn't anything on it that could be removed. If you think that you don't have a credit score, you might be surprised. Knowing where you stand with your credit will also help you set goals for improving your score in the future.
  • Determine what you can afford. First, decide if you can afford a down payment on a car, and if so, how much. Next, decide what you feel comfortable paying for your car payment each month. Take a look at our online loan calculator to get an idea of what will fit your budget. If you're not sure, you can work with our finance team to determine what you can afford to pay, and how that will affect your overall budget.
  • Obtain proof of income. It's helpful to have paystubs handy, or another proof of your income. This will help speed up the process of securing your low, or no credit auto loan.
  • All set? If you're ready to make the first step towards bringing home your next vehicle, you can get pre-approved in minutes online.